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Ask Our Specialists

All questions are answered by U.S. based licensed and experienced insurance professionals.

Q:F1 Visa for Student having stomach issues. Would a GI doctor and diagnostic testing be considered preventative care or would it be covered under Patriot Plus plan.

A:
Coverage is going to be determined based of the doctors notes and medical records to determine if the reason for the event was due to a new injury or illness that did not exist before the effective date of the plan. If it is than it can receive coverage. For specific claims inquires it is recommended to call the number on the back of your ID card.
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Q:Firstly, I would like to determine the type of insurance I purchased and know the complete terms and conditions of which; Secondly, the policyholder lost his phone during his journey in China. According to the terms, is it possible to apply for a claim?

A:
You can view your MyAccount to see your policy Certificate Wording for the full conditions of the policy. No, this plan does not cover for the loss of a phone. If you have any additional questions please call our office at 1(866)467-8289.
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Q:In the past I bought life policies for when I traveled. This time I am only going one way as I do not know how long I will be there. Is there a policy for that?

A:
Unfortunately no, the Flight Accident insurance need to be for round trip travel.
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Q:Hi Team Insubuy, At the outset, I would like to thank you for providing a ton of information on the topoic of travel insurance. This has made it simpler for us to choose from a select set of policies. For my parents, aged 73 and 75 , visiting us in California from India, I am stuck between two choices.1. Safe Travels Elite Diamond Plus2. Atlas Premium AmericaI had 2 queries. Looking for your expert advice on the same. 1. The Safe Travels Elite Diamond Plus is a Fixed plan but has a PPO network. Is there a Out-of-Pocket maximum for this plan?Since this plan has a PPO network, wouldn't this be comparable to a Comprehensive plan?2. Is it a good choice to buy one of these policies for a month and extend it on a monthly basis till my parents return back to India? Are there any disadvantages with this approach?

A:
The PPO network has nothing to do with how the plan will pay out, and does not make a fixed plan and comprehensive plan similar. All the PPO network does is provide a list of doctors that have negotiated rates with the insurance and provide the ability for the provider to directly bill the insurance company. Travelers Medical plans will not have an "out-of-pocket maximum" as every policy will have a policy maximum and if expenses exceed that amount the insured would be responsible for that. Fixed coverage plans are going to pay a sub-limited fixed amount, per a schedule of benefits. The majority of the costs will always be coming out of the insureds pocket rather than the plans. It would absolutely be recommended to purchase any of the Atlas series' plans over Safe Travels Elite. The only disadvantage to purchasing the plan and extending it as needed is there is a $5 extension fee each time you extend. Please let me know if you have any additional questions.
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Q:I have a policy expiring on 21st May. I have extended my trip but visiting UK after the 20th of May for 7 days . Can i extend the same plan ?

A:
Yes, you would be welcome to extend this policy if you are continuing your travels. However if the UK is your Home Country, you would need to purchase a different plan, as the plans will end when you enter back into your home country unless otherwise stated. Please let us know if you have any additional questions.
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Q:Clients is age 75 and 70, travelling from India to Oregon. They are looking for 200k comprehensive coverage, is there any plan which can give or can we give 2 plans of 100K

A:
International Major Medical can offer a $250,000 policy maximum for ages up to 79. If that plan is not available, yes, you would need to purchase two policies from different administrators, such as Atlas America and Safe Travels USA Comprehensive. If you have any additional questions please call our office at 1(866)467-8289.
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DISCLAIMER: Information presented in our Questions and Answers section is generic and was deemed to be accurate at the time of response. Please use the answers as a guide and do not make decisions based on the answers. The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage may have changed. Insubuy assumes no responsibility for relying on such answers. You should review the latest certificate wording of the insurance policy (available on this website) for the product you are considering for the latest and complete details. If there is any conflict between the answers provided here and the certificate wording, the details of the certificate wording will prevail.

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There are many advantages in purchasing from Insubuy and no disadvantages.

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Visiting USA?

Healthcare costs are very high in the U.S.

Buy U.S. based visitors insurance and enjoy your trip.

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Traveling abroad?

Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?

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New immigrant to USA?

You are not eligible to enroll in Medicare for the first 5 years.

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Going on a vacation?

You could lose your non-refundable trip costs if you had to cancel your trip.

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Are you an exchange visitor to USA?

The U.S. Department of State requires all J visa holders to purchase compliant insurance.

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Traveling to Europe?

Schengen countries require most non-US citizens to purchase Schengen visa insurance.

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Traveling frequently throughout the year?

You don't need to purchase travel insurance for every trip.

Purchase annual multi trip travel insurance for your travels.

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International student in the U.S.?

Most schools require international students to purchase health insurance.

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